Checking Account Details

ACCOUNT
TYPE
 
MINIMUM TO OPEN       account FEATURES      MINIMUM BALANCE REQUIREMENTS AND OTHER FEES  MONTHLY SERVICE CHARGE  limit FOR CHECK WRITING / withdrawals  INTEREST RATE INFO 
BANK CLUB ACCOUNT  $50.00 2 boxes of Bank Club Checks per year       AD&D insurance Extra member benefits Unlimited check writing Free online banking with free bill pay
No charge for Travelers Checks or personal money orders
  *Interest Bearing Bank Club, Now or Super Now subject to required balance.
none          *1,500 for Now Bank Club; $2,500 Super Now Bank Club to avoid monthly service charge                 $10.00 for $10,000 AD&D $11.00 for $20,000 AD&D $12.00 for $30,000 AD&D none none
FREE
CHECKING
(PERSONAL ONLY)
 
$50.00 First order of checks at no charge Unlimited check writing Free online banking with free bill pay Unlimited withdrawals No check images in monthly statement  none none none none
REGULAR CHECKING  $50.00 Regular checking account Unlimited check writing Free online banking with free bill pay Check images included in statement  $600.00 to avoid monthly service charge  $6.00 per month plus $.07 each for all withdrawals over 55  none  none
TEXAS 
BUSINESS CHECKING
 
$500.00 Business checking Unlimited check writing   Free online banking with free bill pay Check images included in statement  $1,000 to avoid monthly service charge An activity fee of $.07 per all withdrawals over 150 and $.07 on all items over 150 in a deposit will be assessed.  $10.00 per month An activity fee of $.07 each for all withdrawals over 150 and $.07 for all items over 150 in a deposit will be assessed.  none none
INTEREST BEARING CHECKING ACCOUNTS MUST MAINTAIN MINIMUM REQUIRED BALANCE IN ORDER TO EARN INTEREST
NOW ACCOUNT  $1,500.00 Unlimited checking with required balance   Free online banking with free bill pay Check images included in statement  $1,500 to avoid monthly service charge  $10.00 plus $.07 for each withdrawal if balance requirements are not met  Loss of interest on days without required balance none  Yes Subject to change at any time 
SUPER NOW ACCOUNT  $2,500.00 Unlimited checking with required balance Free online banking with free bill pay Check images included in statement  $2,500 to avoid monthly service charge  $10.00 plus $.07 for each withdrawal if balance requirements are not met  Loss of interest on days without required balance none  Yes Subject to change at any time 
MONEY MARKET  $2,500.00 Limited Checking Check images included in statement  $2,500 to avoid monthly service charge 6 transactions per month Limit 3 third-party transactions including drafts  $10.00 if balance requirements are not met Loss of interest on days without required balance  6 per month(1) Yes Subject to change at any time 
(1)Transfers from a Money Market Account to another account or to third parties by pre-authorized, automatic, telephone or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card or similar order to third parties outside the bank.                                                                                                                                                                                     (2)Transfers from a Regular Savings Account to another account or to third parties by pre-authorized, automatic, telephone or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties.  An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of nine (9) in a calendar quarter.
Savings & Investment Account Details
STATEMENT SAVINGS $50.00 Simple interest-bearing savings account Quarterly bank statement $1.00 each for all withdrawals over 9 in calendar quarter none  6 per month(2)  Yes Subject to change at any time 
CERTIFICATE OF DEPOSIT $500* Features:  Available in many different time periods.  Interest can be paid in check, deposit to checking or savings or in special situations, withdrawals in cash.  *Must be placed for at least 18 months.  All other time periods require at least $1,000 to open. Yes Subject to change at maturity
INDIVIDUAL RETIREMENT ACCOUNT  $50 Features:  The interest earned on IRAs is tax deferred.  18 month variable or 30 month fixed rate IRAs available. Yes       18 month variable subject to rate change ever three months, 30 month fixed subject to change at maturity 

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